Symbols / BETR $30.06 +4.74%
BETR Chart
About
Better Home & Finance Holding Company operates as a homeownership company in the United States. The company provides government-sponsored enterprise (GSE) conforming loans, Federal Housing Administration insured loans, Department of Veterans Affairs guaranteed loans, and jumbo loans to GSEs, banks, insurance companies, asset managers, and mortgage real estate investment trusts. It offers real estate agent services, title insurance and settlement services, and homeowners insurance services. It also offers home equity lines of credit and closed-end second-lien loans. The company formerly known as Better Mortgage Corporation and changed its name to Better Home & Finance Holding Company in August 2023. Better Home & Finance Holding Company is headquartered in New York, New York.
Fundamentals
Scroll to Statements| Sector | Financial Services | Industry | Mortgage Finance | Market Cap | 471.84M |
| Enterprise Value | 990.07M | Income | -165.87M | Sales | 164.87M |
| Book/sh | 2.32 | Cash/sh | 6.32 | Dividend Yield | — |
| Payout | 0.00% | Employees | 1329 | IPO | — |
| P/E | — | Forward P/E | 8.48 | PEG | — |
| P/S | 2.86 | P/B | 12.93 | P/C | — |
| EV/EBITDA | — | EV/Sales | 6.00 | Quick Ratio | 1.05 |
| Current Ratio | 1.09 | Debt/Eq | 1672.79 | LT Debt/Eq | — |
| EPS (ttm) | -12.18 | EPS next Y | 3.54 | EPS Growth | — |
| Revenue Growth | 77.40% | Earnings | 2026-05-11 | ROA | -13.72% |
| ROE | — | ROIC | — | Gross Margin | 100.00% |
| Oper. Margin | -87.27% | Profit Margin | -100.61% | Shs Outstand | 9.86M |
| Shs Float | 8.83M | Short Float | 35.01% | Short Ratio | 5.33 |
| Short Interest | — | 52W High | 94.06 | 52W Low | 9.50 |
| Beta | 2.00 | Avg Volume | 435.35K | Volume | 280.32K |
| Target Price | $40.00 | Recom | Buy | Prev Close | $28.70 |
| Price | $30.06 | Change | 4.74% |
Valuation Models
Price estimates from analyst targets and simple models.
1. Analyst consensus
$40.00
Mean price target
2. Current target
$30.82
Latest analyst target
3. DCF / Fair value
$40.00
Proxy: analyst mean price target (no FCF/EPS data available).
Ratings
Current target
$30.82
Low
$40.00
High
$40.00
Mean
$40.00
Latest analyst rating changes
| Date | Action | Analyst | Rating Change | Price Target |
|---|---|---|---|---|
| 2026-01-27 | init | Cantor Fitzgerald | — → Overweight | $40 |
- BETTER HOME & FINANCE HOLDING CO (BETR) RSU vesting and trust sales reported to SEC - Stock Titan ue, 17 Mar 2026 19
- Ventures Iv L.P. Framework Purchases 25,000 Shares of Better Home & Finance (NASDAQ:BETR) Stock - MarketBeat ue, 17 Mar 2026 00
- Better Home & Finance: Tremendous Growth Needed To Justify Valuation - Seeking Alpha Sat, 14 Mar 2026 12
- New study: generic AI flunks mortgage checks, Tidalwave scores 95% - Stock Titan ue, 17 Mar 2026 14
- BETTER HOME & FINANCE HOLDING COMPANY (BETR) - MSN Mon, 16 Mar 2026 19
- Better Home & Finance Holding Company (BETR) Reports Q4 Loss, Beats Revenue Estimates - Yahoo Finance Fri, 13 Mar 2026 22
- Better Home & Finance Holding Company (BETR) Posts Fourth Quarter Loss, Surpasses Revenue Expectations - Bitget Sat, 14 Mar 2026 02
- Insider Buying: Better Home & Finance Major Shareholder Purchases 25,000 Shares - National Today ue, 17 Mar 2026 09
- $BETR stock is up 10% today. Here's what we see in our data. - Quiver Quantitative Mon, 09 Mar 2026 07
- Better Home & Finance (BETR) Stock Beats Q4 Estimates as AI Platform Volume Surges 34% - MEXC Fri, 13 Mar 2026 15
- Framework Ventures buys Better Home & Finance (BETR) shares for $1.2m - Investing.com hu, 12 Mar 2026 01
- Better Home & Finance (NASDAQ:BETR) Stock Price Down 8% - Here's What Happened - MarketBeat hu, 12 Mar 2026 18
- Better Home & Finance Holding Company 2025 Q4 - Results - Earnings Call Presentation (NASDAQ:BETR) 2026-03-13 - Seeking Alpha Fri, 13 Mar 2026 21
- BETR (NASDAQ: BETR) selling-holder files Form 144 listing dated sales - Stock Titan Mon, 16 Mar 2026 19
- BETR SEC Filings - Better Home & Finance Holding Company 10-K, 10-Q, 8-K Forms - Stock Titan Sat, 14 Mar 2026 01
Insider Transactions
| Date | Shares | Value | Url | Text | Insider | Position | Transaction | Start Date | Ownership |
|---|---|---|---|---|---|---|---|---|---|
| 0 | 25000 | 738750.0 | — | Purchase at price 29.55 per share. | FRAMEWORK VENTURES IV L.P. | Beneficial Owner of more than 10% of a Class of Security | — | 2026-03-16 00:00:00 | I |
| 1 | 29494 | 1006335.0 | — | Purchase at price 34.12 per share. | FRAMEWORK VENTURES IV L.P. | Beneficial Owner of more than 10% of a Class of Security | — | 2026-03-13 00:00:00 | I |
| 2 | 31598 | 1212689.0 | — | Purchase at price 35.46 - 39.73 per share. | FRAMEWORK VENTURES IV L.P. | Beneficial Owner of more than 10% of a Class of Security | — | 2026-03-11 00:00:00 | I |
| 3 | 211312 | 5731838.0 | — | Conversion of Exercise of derivative security at price 27.00 - 27.25 per share. | FRAMEWORK VENTURES IV L.P. | Beneficial Owner of more than 10% of a Class of Security | — | 2026-03-10 00:00:00 | I |
| 4 | 3167 | nan | — | — | TUFFIN PAULA | General Counsel | — | 2026-02-27 00:00:00 | D |
| 5 | 3167 | nan | — | — | NICHOLAS CALAMARI J | General Counsel | — | 2026-02-27 00:00:00 | D |
| 6 | 4833 | nan | — | — | SMITH CHAD M. | Officer | — | 2026-02-27 00:00:00 | D |
| 7 | 3167 | nan | — | — | GARG VISHAL | Chief Executive Officer | — | 2026-02-27 00:00:00 | D |
| 8 | 6000 | 180448.0 | — | Sale at price 30.01 - 30.39 per share. | SMITH CHAD M. | Officer | — | 2026-02-17 00:00:00 | I |
| 9 | 8018 | 229880.0 | — | Sale at price 28.46 - 29.02 per share. | TUFFIN PAULA | General Counsel | — | 2026-02-12 00:00:00 | D |
Financials
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| TaxEffectOfUnusualItems | 0.00 | 0.00 | 3.99M | -391.30K |
| TaxRateForCalcs | 0.21 | 0.21 | 0.21 | 0.01 |
| NormalizedEBITDA | -154.79M | -237.97M | -542.40M | -125.48M |
| TotalUnusualItems | -254.30M | 19.02M | -49.84M | |
| TotalUnusualItemsExcludingGoodwill | -254.30M | 19.02M | -49.84M | |
| NetIncomeFromContinuingOperationNetMinorityInterest | -206.29M | -536.42M | -877.08M | -301.13M |
| ReconciledDepreciation | 33.23M | 42.89M | 49.42M | 27.22M |
| ReconciledCostOfRevenue | 162.58M | 213.33M | 648.16M | 943.01M |
| EBITDA | -154.79M | -237.97M | -523.38M | -175.32M |
| EBIT | -188.02M | -280.87M | -572.80M | -202.54M |
| NetInterestIncome | -31.60M | -303.18M | -100.97M | |
| InterestExpense | 31.60M | 303.18M | 100.97M | |
| NormalizedIncome | -206.29M | -536.42M | -892.10M | -251.68M |
| NetIncomeFromContinuingAndDiscontinuedOperation | -206.29M | -536.42M | -877.08M | -301.13M |
| TotalExpenses | 308.07M | 382.98M | 990.46M | 1.46B |
| RentExpenseSupplemental | 4.22M | 1.32M | 2.48M | |
| TotalOperatingIncomeAsReported | -291.28M | -858.92M | -239.68M | |
| DilutedAverageShares | 15.11M | 9.23M | 14.75M | 14.75M |
| BasicAverageShares | 15.11M | 9.23M | 14.75M | 14.75M |
| DilutedEPS | -13.65 | -58.09 | -59.46 | -20.41 |
| BasicEPS | -13.65 | -58.09 | -59.46 | -20.41 |
| DilutedNIAvailtoComStockholders | -206.29M | -536.42M | -877.08M | -301.13M |
| NetIncomeCommonStockholders | -206.29M | -536.42M | -877.08M | -301.13M |
| NetIncome | -206.29M | -536.42M | -877.08M | -301.13M |
| NetIncomeIncludingNoncontrollingInterests | -206.29M | -536.42M | -877.08M | -301.13M |
| NetIncomeContinuousOperations | -206.29M | -536.42M | -877.08M | -301.13M |
| TaxProvision | 850.00K | 2.00M | 1.10M | -2.38M |
| PretaxIncome | -205.44M | -534.42M | -875.98M | -303.51M |
| OtherIncomeExpense | -17.42M | -253.56M | 22.57M | -49.84M |
| OtherNonOperatingIncomeExpenses | -17.42M | -253.56M | 3.56M | |
| SpecialIncomeCharges | -17.46M | -246.49M | -17.05M | |
| OtherSpecialCharges | -3.89M | 1.00K | ||
| WriteOff | 311.00K | 131.72M | 0.00 | |
| ImpairmentOfCapitalAssets | 12.79M | 12.50M | 0.00 | |
| RestructuringAndMergernAcquisition | 8.25M | 102.26M | 17.05M | |
| GainOnSaleOfSecurity | -236.84M | 265.50M | -32.79M | |
| NetNonOperatingInterestIncomeExpense | -31.60M | -303.18M | -100.97M | |
| InterestExpenseNonOperating | 31.60M | 303.18M | 100.97M | |
| OperatingIncome | -188.02M | -280.87M | -595.38M | -152.70M |
| OperatingExpense | 145.49M | 169.65M | 296.89M | 495.00M |
| OtherOperatingExpenses | 26.05M | 47.08M | ||
| DepreciationAmortizationDepletionIncomeStatement | 33.23M | 42.89M | 4.01M | 933.00K |
| DepreciationAndAmortizationInIncomeStatement | 33.23M | 42.89M | 4.01M | 933.00K |
| ResearchAndDevelopment | 83.81M | 124.31M | 144.49M | |
| SellingGeneralAndAdministration | 86.21M | 79.67M | 168.57M | 349.58M |
| SellingAndMarketingExpense | 33.98M | 19.52M | 69.01M | 248.90M |
| GeneralAndAdministrativeExpense | 52.23M | 60.15M | 99.56M | 100.69M |
| OtherGandA | 52.23M | 60.15M | 78.33M | 70.64M |
| RentAndLandingFees | 4.22M | 1.32M | 2.48M | |
| SalariesAndWages | 37.20M | 19.91M | 27.56M | |
| GrossProfit | -42.52M | -111.22M | -298.49M | 342.30M |
| CostOfRevenue | 162.58M | 213.33M | 693.57M | 969.29M |
| TotalRevenue | 120.05M | 102.11M | 395.08M | 1.31B |
| OperatingRevenue | 117.10M | 99.84M | 395.08M | 1.31B |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| OrdinarySharesNumber | 15.17M | 15.04M | 14.75M | 14.75M |
| ShareIssued | 15.17M | 15.04M | 14.75M | 14.75M |
| NetDebt | 552.72M | 137.27M | 720.49M | 1.36B |
| TotalDebt | 767.90M | 672.06M | 1.10B | 2.37B |
| TangibleBookValue | -102.72M | 52.08M | -683.57M | 147.86M |
| InvestedCapital | 705.65M | 763.46M | 434.27M | 2.53B |
| WorkingCapital | 426.30M | 588.62M | 429.47M | 1.22B |
| NetTangibleAssets | -102.72M | 52.08M | -247.29M | 584.14M |
| CapitalLeaseObligations | 4.08M | 31.20M | 57.51M | 73.66M |
| CommonStockEquity | -58.17M | 122.60M | -604.18M | 240.16M |
| PreferredStockEquity | 436.28M | 436.28M | ||
| TotalCapitalization | 461.58M | 637.24M | 726.50M | 1.30B |
| TotalEquityGrossMinorityInterest | -58.17M | 122.60M | -167.90M | 676.44M |
| StockholdersEquity | -58.17M | 122.60M | -167.90M | 676.44M |
| OtherEquityInterest | -9.16M | -10.11M | -53.23M | -38.63M |
| GainsLossesNotAffectingRetainedEarnings | -1.94M | -1.71M | -1.42M | -105.00K |
| RetainedEarnings | -1.91B | -1.70B | -1.17B | -292.61M |
| AdditionalPaidInCapital | 1.86B | 1.84B | 618.11M | 571.50M |
| CapitalStock | 2.00K | 2.00K | 436.29M | 436.29M |
| CommonStock | 2.00K | 2.00K | 10.00K | 10.00K |
| PreferredStock | 0.00 | 436.28M | 436.28M | |
| TotalLiabilitiesNetMinorityInterest | 971.23M | 782.95M | 1.25B | 2.62B |
| TotalNonCurrentLiabilitiesNetMinorityInterest | 535.66M | 574.69M | 986.56M | 760.54M |
| OtherNonCurrentLiabilities | 2.90M | 6.09M | 2.98M | 8.61M |
| DerivativeProductLiabilities | 1.41M | 3.28M | 4.92M | 34.38M |
| LongTermDebtAndCapitalLeaseObligation | 523.83M | 545.85M | 951.91M | 700.01M |
| LongTermCapitalLeaseObligation | 4.08M | 31.20M | 57.51M | 73.66M |
| LongTermDebt | 519.75M | 514.64M | 894.40M | 626.36M |
| LongTermProvisions | 7.52M | 19.47M | 26.75M | 17.54M |
| CurrentLiabilities | 435.56M | 208.26M | 264.69M | 1.86B |
| OtherCurrentLiabilities | 6.12M | |||
| CurrentDeferredLiabilities | 137.17M | 12.11M | 30.20M | 50.01M |
| CurrentDeferredRevenue | 137.17M | 12.11M | 30.20M | 50.01M |
| CurrentDebtAndCapitalLeaseObligation | 244.07M | 126.22M | 144.05M | 1.67B |
| CurrentDebt | 244.07M | 126.22M | 144.05M | 1.67B |
| OtherCurrentBorrowings | 750.00M | 477.33M | ||
| LineOfCredit | 244.07M | 126.22M | 144.05M | 1.67B |
| PayablesAndAccruedExpenses | 48.21M | 69.93M | 90.44M | 144.81M |
| Payables | 48.21M | 69.93M | 90.44M | 144.81M |
| OtherPayable | 74.00K | 3.38M | 8.00M | 11.55M |
| AccountsPayable | 48.13M | 66.56M | 82.44M | 133.26M |
| TotalAssets | 913.06M | 905.55M | 1.08B | 3.30B |
| TotalNonCurrentAssets | 51.19M | 108.67M | 389.19M | 213.79M |
| OtherNonCurrentAssets | 4.79M | 14.26M | ||
| FinancialAssets | 2.54M | 1.72M | 239.65M | 9.30M |
| GoodwillAndOtherIntangibleAssets | 44.55M | 70.52M | 79.38M | 92.30M |
| OtherIntangibleAssets | 20.94M | 38.13M | 62.00M | 72.49M |
| Goodwill | 23.61M | 32.39M | 17.39M | 19.81M |
| NetPPE | 4.10M | 36.44M | 70.15M | 97.93M |
| AccumulatedDepreciation | -6.79M | -17.90M | -19.74M | -11.08M |
| GrossPPE | 10.90M | 54.34M | 89.89M | 109.01M |
| Leases | 2.51M | 12.25M | 21.66M | 19.87M |
| OtherProperties | 1.39M | 19.99M | 43.48M | 60.73M |
| MachineryFurnitureEquipment | 7.00M | 19.07M | 21.72M | 28.41M |
| LandAndImprovements | 0.00 | 3.03M | 3.03M | 0.00 |
| Properties | 0.00 | 0.00 | 0.00 | 0.00 |
| CurrentAssets | 861.86M | 796.88M | 694.16M | 3.09B |
| AssetsHeldForSaleCurrent | 10.41M | 0.00 | ||
| RestrictedCash | 24.42M | 24.48M | 28.11M | 40.55M |
| PrepaidAssets | 28.41M | 43.04M | 46.35M | 32.16M |
| Inventory | 0.00 | 1.14M | 1.12M | |
| OtherInventories | 1.14M | 1.12M | ||
| Receivables | 533.75M | 200.18M | 300.61M | 2.07B |
| OtherReceivables | 17.55M | 16.89M | 17.53M | 65.22M |
| TaxesReceivable | 5.48M | 8.35M | 18.14M | 20.25M |
| LoansReceivable | 510.72M | 174.94M | 264.94M | 1.99B |
| CashCashEquivalentsAndShortTermInvestments | 264.88M | 529.19M | 317.96M | 938.32M |
| OtherShortTermInvestments | 53.77M | 25.60M | 0.00 | |
| CashAndCashEquivalents | 211.10M | 503.59M | 317.96M | 938.32M |
| Line Item | 2024-12-31 | 2023-12-31 | 2022-12-31 | 2021-12-31 |
|---|---|---|---|---|
| FreeCashFlow | -390.05M | -169.50M | 902.97M | 292.57M |
| RepurchaseOfCapitalStock | 0.00 | -7.95M | -5.65M | |
| RepaymentOfDebt | -1.10M | -165.34M | -11.66B | -51.04B |
| IssuanceOfDebt | 117.85M | 528.59M | 10.13B | 51.33B |
| IssuanceOfCapitalStock | 0.00 | 16.35M | 0.00 | |
| CapitalExpenditure | -10.08M | -9.78M | -35.28M | -68.65M |
| InterestPaidSupplementalData | 13.82M | 12.04M | 13.07M | |
| IncomeTaxPaidSupplementalData | 1.83M | |||
| EndCashPosition | 235.52M | 528.07M | 346.06M | 978.87M |
| OtherCashAdjustmentOutsideChangeinCash | -7.68M | 0.00 | ||
| BeginningCashPosition | 528.07M | 346.06M | 978.87M | 381.79M |
| EffectOfExchangeRateChanges | -217.00K | -1.09M | 726.00K | 35.00K |
| ChangesInCash | -284.65M | 183.09M | -633.53M | 597.05M |
| FinancingCashFlow | 239.13M | 381.40M | -1.54B | 304.54M |
| CashFlowFromContinuingFinancingActivities | 239.13M | 381.40M | -1.54B | 304.54M |
| NetOtherFinancingCharges | 122.29M | 260.00K | -425.00K | |
| ProceedsFromStockOptionExercised | 91.00K | 1.55M | 734.00K | 21.62M |
| NetCommonStockIssuance | 0.00 | 16.35M | -7.95M | -5.65M |
| CommonStockPayments | 0.00 | -7.95M | -5.65M | |
| CommonStockIssuance | 0.00 | 16.35M | 0.00 | |
| NetIssuancePaymentsOfDebt | 116.75M | 363.24M | -1.53B | 289.00M |
| NetShortTermDebtIssuance | -17.83M | -1.52B | -540.05M | |
| ShortTermDebtPayments | -2.71B | -11.66B | -51.04B | |
| ShortTermDebtIssuance | 2.69B | 10.13B | 50.50B | |
| NetLongTermDebtIssuance | 116.75M | 363.24M | -1.53B | 289.00M |
| LongTermDebtPayments | -1.10M | -165.34M | -11.66B | -51.04B |
| LongTermDebtIssuance | 117.85M | 528.59M | 10.13B | 51.33B |
| InvestingCashFlow | -143.81M | -38.59M | -34.58M | -68.70M |
| CashFlowFromContinuingInvestingActivities | -143.81M | -38.59M | -34.58M | -68.70M |
| NetOtherInvestingChanges | -108.11M | |||
| NetInvestmentPurchaseAndSale | -28.55M | -16.87M | 0.00 | |
| SaleOfInvestment | 183.31M | 31.32M | 0.00 | |
| PurchaseOfInvestment | -211.86M | -48.19M | 0.00 | |
| NetBusinessPurchaseAndSale | 0.00 | -12.71M | -3.85M | -5.07M |
| PurchaseOfBusiness | 0.00 | -12.71M | -3.85M | -5.07M |
| NetIntangiblesPurchaseAndSale | 0.00 | 5.02M | ||
| SaleOfIntangibles | 0.00 | 5.02M | ||
| NetPPEPurchaseAndSale | -450.00K | 308.00K | -7.19M | -15.72M |
| SaleOfPPE | 2.94M | 764.00K | 4.55M | 0.00 |
| PurchaseOfPPE | -3.39M | -456.00K | -11.73M | -15.72M |
| CapitalExpenditureReported | -6.69M | -9.32M | -23.55M | -52.93M |
| OperatingCashFlow | -379.97M | -159.72M | 938.25M | 361.21M |
| CashFlowFromContinuingOperatingActivities | -379.97M | -159.72M | 938.25M | 361.21M |
| ChangeInWorkingCapital | -10.28M | -52.93M | -48.53M | -93.99M |
| ChangeInOtherCurrentLiabilities | -4.71M | -40.70M | -35.96M | 153.00K |
| ChangeInOtherCurrentAssets | -13.61M | -11.74M | ||
| ChangeInPayablesAndAccruedExpense | -20.52M | -26.84M | -47.11M | -22.55M |
| ChangeInPayable | -20.52M | -26.84M | -47.11M | -22.55M |
| ChangeInAccountPayable | -21.08M | -22.21M | -43.56M | -7.96M |
| ChangeInPrepaidAssets | 16.86M | 14.70M | -2.94M | -60.44M |
| ChangeInReceivables | -1.91M | -97.00K | 37.48M | -11.15M |
| OtherNonCashItems | -226.60M | 87.65M | 1.81B | 555.58M |
| StockBasedCompensation | 26.75M | 54.16M | 30.54M | 55.22M |
| UnrealizedGainLossOnInvestmentSecurities | -2.32M | 26.00K | 54.27M | 67.68M |
| ProvisionandWriteOffofAssets | -8.26M | -1.82M | 33.52M | 10.10M |
| AssetImpairmentCharge | 16.41M | 9.44M | 145.47M | 0.00 |
| DepreciationAmortizationDepletion | 33.23M | 42.89M | 49.42M | 27.22M |
| DepreciationAndAmortization | 33.23M | 42.89M | 49.42M | 27.22M |
| AmortizationCashFlow | 26.14M | 37.05M | 35.75M | 19.57M |
| AmortizationOfIntangibles | 26.14M | 37.05M | 35.75M | 19.57M |
| Depreciation | 7.09M | 5.84M | 13.67M | 7.65M |
| OperatingGainsLosses | -2.61M | 237.30M | -259.81M | 40.53M |
| GainLossOnInvestmentSecurities | -2.61M | 237.30M | -259.81M | 40.53M |
| NetIncomeFromContinuingOperations | -206.29M | -536.42M | -877.08M | -301.13M |
SEC Filings
Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.
Public Trades for BETR
| Date | User | Broker | Pattern | Type | Position Size | Entry Price | Trade P&L | Status |
|---|